Peter A. Haans FCPA

Ensuring the health and well-being of our staff and clients is our top priority. We have therefore made the decision to cease all face-to-face contact with clients unless absolutely necessary until further notice. All our staff are continuing to work and our prompt service will remain unchanged. It will be business as usual for us, the only difference is we may be unable to physically meet clients.

We consider it to be our social responsibility to assist to alleviate the spread of COVID-19 to the greatest extent possible and therefore ease the pressure on our healthcare workers and protect our community.

This may be a hard time for everyone but we will all get through it together.

Please feel free to call or email at any time and most importantly, take care and look after yourselves.

Transferring your super benefits from accumulation phase to retirement phase, and commencing an account-based pension, can be a tax-effective way to fund your retirement. In this animation, we illustrate the finer details of the minimum annual pension payment. Please call us on 03) 5331 4877 if you would like to discuss this further.

Minimum annual pension payment animation Upon commencing an account-based pension, a minimum annual pension payment must be made (until such time that the pension ceases). In this animation, we illustrate the minimum annual pension payment.

Unnecessary and avoidable household financial waste can be costly; placing pressure on your cashflow, locking away potential surplus income, and prolonging the achievement of your financial goals and objectives. The below article highlights some of the main areas that we could have a look at to try and reduce our financial waste. If you have any questions or would like to discuss this further, please feel free to call our office on 03)5331 4877.

Getting ahead financially: Household financial waste Getting ahead financially can involve an analysis of your existing financial situation; seeing if adjustments are required in one or more areas. In this article, we discuss household financial waste.

The team at Peter A Haans FCPA wish you and your families a very Merry Christmas and a safe and happy New Year. We hope you get a chance to have a relax and eat lots of yummy food (we sure did at our recent lunch!)

When thinking about the future, what do you want to see for yourself? For example, do you want to be financially independent; free of debt and living a comfortable lifestyle in your retirement years? With this in mind, understanding where you are (your present) and where you want to be (your future) is important when setting out to achieve the latter. So, is your present self aligned with your future self?
In this animation, we illustrate the finer details behind the personal finance phrase, ‘your financial situation, goals and objectives’. Importantly, if this animation resonates with you, then please remember you aren’t alone. If you do need help evaluating your existing financial situation, aligning your present self with your future self, and putting a plan in place towards achieving your financial goals and objectives, then please contact us on 03 5331 4877.

Your financial situation, goals and objectives animation Understanding where you are and where you want to be is important when setting out to achieve the latter. In this animation, we illustrate the phrase, ‘your financial situation, goals and objectives’.

Our girls work hard so we wanted them to enjoy a well deserved pamper day! We sent them off (not all of them knowing where they were going!) to have a day to recharge and enjoy themselves and for lots of laughs! First stop Great Ocean Road chocolaterie 🍫, second stop Saltair Day Spa 💆🏼‍♀️, third stop Clyde Park 🍷! Thank you girls to each of you for being you and for all that you do!! 💞

Depending on your personal circumstances, your retirement income may come from a variety of sources. For example, investments (inside and/or outside super) and social security entitlements, such as the Age Pension.
These sources of retirement income are important to understand; especially if, for example, you envision yourself enjoying a particular type of lifestyle in retirement. Given this, in our article, ‘Self-managed super funds (SMSFs): Sector insights’, we briefly touched on Australia’s three-pillar retirement income system. We now explore this in more detail. If you have any questions on this or would like to discuss it further please give us a call on 03)5331 4877.

Australia’s three-pillar retirement income system In retirement, you may find your retirement lifestyle being funded by a variety of different sources. In this article, we provide an overview of Australia’s three-pillar retirement income system.

When you pass away, an intergenerational wealth transfer may occur – the transfer of your wealth to the next generation; via the instructions laid out in your will and super death benefit nomination (if applicable). These instructions will provide clarity around important issues for the administrators and the beneficiaries of your wishes – who gets what assets, at what time and in what manner upon your passing. Please see our video link for further information and if you have any questions, please feel free to contact our office on 03) 5331 4877.

Intergenerational wealth transfer Upon your passing, an intergenerational wealth transfer may occur; the transfer of your wealth to the next generation. In this animation, we illustrate important considerations regarding this event.

When accumulating wealth and funding your cost of living during your working years, one of your biggest resources is your capacity to earn an income, either through employment or self-employment. When you are fit and healthy, you may sometimes take your financial and physical/mental health for granted. Things can quickly change when you are confronted with an illness, especially one you are not prepared for.

The prevalence, incidence, risk and cost burden of ill health ‘It’ll be right’ or ‘bulletproof’ is a health mindset held by some of us. In this article, we unpack key findings into the prevalence, incidence, risk and cost burden of ill health in Australia.

Happy 1st anniversary of working with us Emily, our director of first impressions! Thank you for being such a great, loyal person and for your dedication to us over these 12 months. We truely value you not only as an employee but great friend to our staff and for your constant hard work for our clients. Your support shown to everyone and the smile you always have speaks volumes of the person you are! Congratulations and thank you for being part of our work family!